Blue KC Simply Blue Silver with Spira Care Blue Metro EPO
Starting at
$629
/month before subsidy
Blue KC Simply Blue Silver with Spira Care Blue Metro EPO is a 2026 Silver EPO health insurance plan from Blue Cross and Blue Shield of Kansas City, sold on the ACA Marketplace in Missouri under plan ID 34762MO0590025. The monthly premium starts at $629 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $4,600 ($9,200 for a family), and the individual out-of-pocket maximum is $8,800 ($17,600 for a family). After the deductible, coinsurance is 40% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 34762MO0590025
- Plan year
- 2026
- State
- Missouri
- Metal level
- Silver
- Plan type
- EPO
- HSA-eligible
- No
Individual Deductible
$4,600
Family: $9,200
Out-of-Pocket Max
$8,800
Family: $17,600
Coinsurance
40%
You pay after deductible
Network Type
EPO
MON004
Medical Services
Prescription Drugs
- Medical care
- Member experience
- Not rated
- Plan administration
How well doctors manage and coordinate care
Member-survey satisfaction with the plan
Customer service, billing, and access to information
Having a baby
Normal delivery
$6,860
your estimated cost
- Deductible
- $4,600
- Copays
- $100
- Coinsurance
- $2,100
Managing type 2 diabetes
A year of routine care
$4,200
your estimated cost
- Deductible
- $3,200
- Copays
- $1,000
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,700
your estimated cost
- Deductible
- $2,200
- Copays
- $500
- Coinsurance
- $0
Enter your ZIP code first to search nearby doctors.
This Silver EPO plan offers a balanced approach between monthly premiums and out-of-pocket costs, making it a popular choice for many families.
Consider this plan if you:
- Visit the doctor a few times per year
- Take regular prescription medications
- Want moderate protection against high medical bills
- May qualify for Cost-Sharing Reductions (CSR) to lower deductibles
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,362/month
Annual Premium
$7,548
OOP Maximum
$8,800
💡 What this means:
With a $4,600 deductible, you pay 100% of costs until you've spent that much. After that, you pay 40% (coinsurance) until you hit $8,800 total. Then insurance covers everything else for the year.
More plans from Blue Cross and Blue Shield of Kansas City in Missouri
- Blue KC Catastrophic BlueSelect EPOfrom $485/mo
- Blue KC Choice Bronze 2 with Spira Care BlueSelect EPOfrom $491/mo
- Blue KC First Bronze Preferred-Care Blue EPOfrom $671/mo
- Blue KC Simply Blue Bronze with Spira Care Blue Metro EPOfrom $472/mo
- Blue KC Standard Bronze BlueSelect EPOfrom $533/mo
- Blue KC Standard Bronze Preferred-Care Blue EPOfrom $676/mo
- Blue KC Choice Silver 1 with Spira Care BlueSelect EPOfrom $651/mo
- Blue KC Community Silver Preferred-Care Blue EPOfrom $872/mo
Frequently asked questions about Blue KC Simply Blue Silver with Spira Care Blue Metro EPO
How much does Blue KC Simply Blue Silver with Spira Care Blue Metro EPO cost per month?
Blue KC Simply Blue Silver with Spira Care Blue Metro EPO from Blue Cross and Blue Shield of Kansas City starts at $629 per month before any subsidy in Missouri. Most Marketplace enrollees qualify for a premium tax credit that lowers what they actually pay — estimate your subsidy to see your net premium.
What is the deductible for Blue KC Simply Blue Silver with Spira Care Blue Metro EPO?
The individual medical deductible is $4,600, and the family deductible is $9,200. You pay for covered care out of pocket until you meet the deductible, after which the plan shares costs with you.
What is the out-of-pocket maximum for Blue KC Simply Blue Silver with Spira Care Blue Metro EPO?
The most you would pay in a year for covered in-network care is $8,800 for an individual and $17,600 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Blue KC Simply Blue Silver with Spira Care Blue Metro EPO HSA-eligible?
No. Blue KC Simply Blue Silver with Spira Care Blue Metro EPO is not classified as an HSA-eligible high-deductible health plan, so it cannot be paired with a Health Savings Account.
What type of network does Blue KC Simply Blue Silver with Spira Care Blue Metro EPO use?
Blue KC Simply Blue Silver with Spira Care Blue Metro EPO is a EPO plan. EPO plans cover in-network care only (except emergencies) and usually do not require referrals to see specialists.
Understand what you'd actually pay
- 2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
- How ACA subsidies work
Premium tax credits and who qualifies
- The 2026 subsidy cliff
Why income near 400% FPL matters again this year
Important Notice
Plan details and costs shown are estimates for educational purposes only. Actual costs, coverage, and availability may vary. Always verify plan details and enroll through official channels at HealthCare.gov or your state marketplace.